Are you broke all the time? Are your bills killing you? Are you up to your eyeballs in debt. If this is your situation then you need to get a new game plan to get you out of your mess.

The first step is to develop a family budget that keeps your expenses under control. It will also keep you from adding credit card debt that is probably sinking you. Next contact your creditors and tell them you are having problems but that you will be getting your house in order real soon. You might want to consider a debt consolidation loan so that you make one payment a month instead of several.

It would also be a good idea to go to a credit counsellor. Be careful here. Some companies want to charge you money to teach you what you can learn for free. If you don't know where to find a credit counsellor you can start your search at the National Foundation for Credit Counselling.